Hardship IRA withdrawals but deductions below standard deduction

Alpha26 — Tue, 10 Mar 2026 06:57:41 GMT

Had to take an early withdrawal from IRA to pay for medical bills and rent. Under age 50. Unemployed. Deductions combined will be less than standard deduction. How can I prove this withdrawal was due to a hardship to not get extra 10% penalty but still take the standard deduction?

Re: Hardship IRA withdrawals but deductions below standard deduction

DavidT0202 — Wed, 16 Nov 2022 20:26:11 GMT

Hi @Alpha26

I am sorry to hear about your hardships. The rules for taking a hardship withdraw are located HERE

If you took a hardship withdraw following the above guidance, then the payor will Issue you a 1099-R with a 2 in Box 7. If the box 7 has any other code, then the hardship withdraw did not fall under the guidance.

Please reach out to your plans provider for more information on the withdraw you took. Most of the time, the withdraw will be subject to the 10% penalty.

Thank you for choosing TurboTax!

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Hardship IRA withdrawals but deductions below standard deduction

Re: Hardship IRA withdrawals but deductions below standard deduction